Lisa Rucker, CRC®
Senior Vice President, Financial Advisor
Phone:
(901) 766-8625(901) 766-8625
The Rucker Wells Group at Morgan Stanley
Direct:
(901) 766-8625(901) 766-8625
Our Mission Statement
Our mission is to provide our clients with financial confidence through our commitment to delivering professional and tailored objective advice. We strive to become our clients' trusted advisory team, ready to help address life's uncertainties with a genuine concern for their financial success.
Meet The Rucker Wells Group
The Rucker Wells Group is a Wealth Management advisory team that works closely with clients to provide personalized investment and financial planning service with their client’s best interests at heart.
The team has built their practice around working with families who value a collaborative and holistic approach to wealth management. Financial Advisors, Lisa Rucker, CRC® and Madison Wells, CIMA® work together to always serve their clients when they need guidance.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
We look forward to helping you create a tailored financial roadmap and becoming part of your long-term growth.
The team has built their practice around working with families who value a collaborative and holistic approach to wealth management. Financial Advisors, Lisa Rucker, CRC® and Madison Wells, CIMA® work together to always serve their clients when they need guidance.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
We look forward to helping you create a tailored financial roadmap and becoming part of your long-term growth.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Your Journey With Us
As your dedicated wealth management team, we help you develop a personalized financial strategy that creates a clear path towards your goals. We have a proactive approach: effective decision making based on what is most important to you, while navigating today’s complex financial markets. Your journey with us will include the following process.
Discover
We begin by dedicating time to getting to know you, your values and objectives for you and your family. Through the discovery process, we will establish your specific financial goals, what you hope to achieve and what you fear may be standing in your way. It is important to us to truly understand your manner of thinking and feeling, so we can create a holistic plan.
Advise
Once we’ve gained an in-depth understanding of your goals and entire financial situation – including your current investment strategy and how you’ve fared to date, we will develop a comprehensive financial plan with tangible recommendations for addressing your goals.
Implement
We apply extensive research and analysis, along with utilizing Morgan Stanley’s full suite of resources to help ensure swift decisive action in virtually all market scenarios. The way in which we implement your tailored strategy, may vary. If you’re off track with your goals, we will advise you and work with you on helping make informed decisions that can put you back on the right path. We collaborate on your investments and plans to design prospective strategies for your specific risk tolerance, time horizon and objectives.
Tracking Your Success
Investments are monitored on an ongoing basis with the ability to adjust according to your needs and market conditions. We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals.
We value the relationships that we’ve built for over the last 20 years, along with building new relationships as we continue to serve our clients. We take pride in our clients’ happiness and long-term financial well-being.
We value the relationships that we’ve built for over the last 20 years, along with building new relationships as we continue to serve our clients. We take pride in our clients’ happiness and long-term financial well-being.
Client Resources
We have gathered some of our most essential resources here at Morgan Stanley that will streamline the onboarding process.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Wealth View
Total Wealth View allows you to add your non-Morgan Stanley accounts into one place. This allows a clearer more holistic view of your entire financial picture and is a great up to date snapshot of your total net worth.
Learn more here
CashPlus
CashPlus is a modern alternative to banking. A CashPlus Brokerage Account is designed to support clients' cash management needs. Avoid cash management fees, receive comprehensive protection and a seamless digital experience.
Learn more about the benefits
Goals Planning System (GPS)
The Goals Planning System (GPS) allows you to access and view your plan status and progress on Morgan Stanley Online and Morgan Stanley Mobile.
Learn More
Reserved Living and Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
Discover the benefits
Portfolio Risk Platform
The Portfolio Risk Platform - Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and detailed view to better enable risk to be effectively monitored and managed.
Learn MoreYou're Not Alone
Unexpected events - whether positive or negative – may have an impact on your progress towards your financial goals. We are here to help you build flexibility into your plans and navigate life’s pivoting moments.
Planning for the Expected and Unexpected
While many clients initially engage a Morgan Stanley Wealth Advisor to address a specific challenge, they often find value from services they never expected.
Read More
Divorce or Death of a Spouse
Whether you experience a divorce or the passing of your partner, we are here to help guide you through the financial changes that follow these trying circumstances. We are dedicated to our clients through every phase and prioritize your long-term financial well-being and goals.
Read More
Market Volatility
When market conditions are unstable, your long-term goals and concerns are top priority. We are happy to answer your questions, discuss, and provide further clarity during unexpected market events.
Read More
Calamities & Natural Disasters
It’s imperative that financial planning account for the unexpected. Preparedness is crucial especially for the people living or working in disaster-prone regions. A great deal of financial setbacks can come from rebuilding houses after a calamity or from recovery from accidents or health decline during or after a natural disaster.
Red Cross Organization
Disability Insurance
Your ability to earn an income may be one of your most valuable assets, but an accident or unforeseen illness can put that asset at risk. Here’s how to help protect it.
Learn MoreValuable Resources For Our Clients
We believe financial education leads to better insights into our investment strategy and discipline, and potentially, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
2025 Tax Tables
These tables outline the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access Here
2025 Maximum Benefit and Contribution Limits
The Internal Revenue Service (IRS) recently announced increased in contribution limits to 401(k) and other tax-deferred retirement plans to support the continuous rise in costs of living and other expenses.
View Here
On the Markets Research Report
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
This Month's Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
This Week's Report
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
This Week's Podcast
Confused About the Cloud?
Still trying to figure out the cloud? You’re not alone. Get a better understanding of the cloud, and how to keep your personal data safe.
Read More
Making the Most of Your Retirement Savings
Markets don’t always cooperate with your best laid plans, and that can include the ones you have for retirement. But there are strategies you can use to help improve retirement readiness, even at times such as now, when our forecasts indicate it’s unlikely that markets will perform as well as they have been in recent years going forward.
Retirement Roadmap
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
Register for the next presentationLocation
6410 Poplar Ave
Suite 600
Memphis, TN 38119
US
Direct:
(901) 766-8625(901) 766-8625
Meet The Rucker Wells Group
Madison Wells, CIMA®
First Vice President, Branch Manager, Financial Advisor
Phone:
(901) 766-8626(901) 766-8626
Carl J. Palmer III
Client Service Associate
Phone:
(901) 766-8627(901) 766-8627
About Lisa Rucker
Lisa’s career in the financial services industry spans nearly four decades. After attending the University of Tennessee, Knoxville and the University of Memphis, Lisa began her career with Robinson Humphrey (a predecessor firm to Morgan Stanley) in Memphis. She initially worked in the operations area, managing several of the Memphis branch offices. In 1997, Lisa transitioned to a Financial Advisor and, in 2000 joined Financial Advisor Madison Wells to form The Rucker Wells Group. The group takes a team approach in providing personalized financial advice for individuals and families. In 2010 The Rucker Wells Group moved their practice to Wells Fargo Advisors where they continued to hone their skills and develop lasting relationships with their clients. In 2021, The Rucker Wells Group returned “home” to Morgan Stanley.
In 2011, Lisa earned the Certified Retirement Counselor (CRC) certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The CRC curriculum is focused on applying retirement planning and income management both in the accumulation phase and the distribution phase. Committed to professional excellence, Lisa regularly attends continuing education conferences to stay current with the ever-changing regulatory environment. With this knowledge Lisa can provide the appropriate solutions to help clients meet their goals.
Away from the office, Lisa enjoys traveling and spending time with her extended family. She has two grown sons, Stuart and Sean, both of whom live in Memphis as well as her German Shepard, Sofie. Nothing makes Lisa happier than spending time with her boys. Lisa is most passionate about tennis, competing in numerous events across the country with a dynamic group of ladies.
In 2011, Lisa earned the Certified Retirement Counselor (CRC) certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The CRC curriculum is focused on applying retirement planning and income management both in the accumulation phase and the distribution phase. Committed to professional excellence, Lisa regularly attends continuing education conferences to stay current with the ever-changing regulatory environment. With this knowledge Lisa can provide the appropriate solutions to help clients meet their goals.
Away from the office, Lisa enjoys traveling and spending time with her extended family. She has two grown sons, Stuart and Sean, both of whom live in Memphis as well as her German Shepard, Sofie. Nothing makes Lisa happier than spending time with her boys. Lisa is most passionate about tennis, competing in numerous events across the country with a dynamic group of ladies.
Securities Agent: WV, CA, LA, IA, DC, CO, OK, NC, FL, AR, OH, MT, MO, PA, NY, MN, ME, AL, ND, SC, WA, VA, KY, KS, TX, RI, OR, NJ, MS, MI, GA, TN, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2176558
NMLS#: 2176558
About Madison Wells
For nearly three decades Madison has worked with clients to help address their financial concerns and develop sound strategies by focusing on their specific needs. With extensive experience throughout major shifts in the markets, Madison had dedicated his career to delivering the personalized investment planning services his clients deserve.
After playing football for two years at Rhodes College, Madison earned a Bachelor of Arts Degree in Economics from the University of Memphis.
Madison began his career as a Financial Advisor with Merrill Lynch in Memphis, where he developed his fundamental investment knowledge and obtained the Certificate of Financial Management degree from the Donald T. Regan School of Financial Management. In 1998 he joined Smith Barney (a predecessor firm to Morgan Stanley) and in 2000 partnered with Financial Advisor Lisa Rucker to form The Rucker Wells Group. Madison and Lisa take a team approach in providing personalized financial advice for individuals and families. In 2010 The Rucker Wells Group moved their practice to Wells Fargo Advisors where they continued to hone their skills and develop lasting relationships with their clients. In 2021, The Rucker Wells Group returned “home” to Morgan Stanley.
A staunch believer in continuing education, Madison regularly attends industry conferences and due diligence meetings with investment advisory firms. In 2013, Madison completed and earned the Certified Investment Management Analyst (CIMA®) certification by passing a rigorous qualification examination and completing an approved educational program at the Wharton School of Business. He has also served on the FA Advisory Panel for PIMCO®.
Away from the office, Madison spends his free time with his wife, Amy, a jewelry designer, and their daughter Sadie Ann who is a student in the Chancellor’s Honors Program at the University of Tennessee, Knoxville. Madison and Amy enjoy cooking and sharing fine food and wine with their friends and family. An avid music fan, Madison is always expanding his record collection. He has served as Chairman of the Board of Directors of the Memphis Rock N’ Soul Museum as well as the Memphis Music Hall of Fame. When time and weather allow, he also has a passion for golf, always looking for an opportunity to play the games’ “sacred” courses.
As the premier designation in the industry, the CIMA® is an intense educational experience focusing on asset allocation, manager search and selection, investment policy and performance measurement.
After playing football for two years at Rhodes College, Madison earned a Bachelor of Arts Degree in Economics from the University of Memphis.
Madison began his career as a Financial Advisor with Merrill Lynch in Memphis, where he developed his fundamental investment knowledge and obtained the Certificate of Financial Management degree from the Donald T. Regan School of Financial Management. In 1998 he joined Smith Barney (a predecessor firm to Morgan Stanley) and in 2000 partnered with Financial Advisor Lisa Rucker to form The Rucker Wells Group. Madison and Lisa take a team approach in providing personalized financial advice for individuals and families. In 2010 The Rucker Wells Group moved their practice to Wells Fargo Advisors where they continued to hone their skills and develop lasting relationships with their clients. In 2021, The Rucker Wells Group returned “home” to Morgan Stanley.
A staunch believer in continuing education, Madison regularly attends industry conferences and due diligence meetings with investment advisory firms. In 2013, Madison completed and earned the Certified Investment Management Analyst (CIMA®) certification by passing a rigorous qualification examination and completing an approved educational program at the Wharton School of Business. He has also served on the FA Advisory Panel for PIMCO®.
Away from the office, Madison spends his free time with his wife, Amy, a jewelry designer, and their daughter Sadie Ann who is a student in the Chancellor’s Honors Program at the University of Tennessee, Knoxville. Madison and Amy enjoy cooking and sharing fine food and wine with their friends and family. An avid music fan, Madison is always expanding his record collection. He has served as Chairman of the Board of Directors of the Memphis Rock N’ Soul Museum as well as the Memphis Music Hall of Fame. When time and weather allow, he also has a passion for golf, always looking for an opportunity to play the games’ “sacred” courses.
As the premier designation in the industry, the CIMA® is an intense educational experience focusing on asset allocation, manager search and selection, investment policy and performance measurement.
Securities Agent: SC, WV, UT, OK, GA, MN, MA, NC, CT, WI, WA, VA, TX, TN, SD, RI, PR, PA, OH, NY, NV, NM, NJ, NE, ND, MT, MS, MO, MI, ME, MD, LA, KY, KS, IN, IL, ID, IA, FL, DE, DC, CO, CA, AZ, AR, AL, AK, HI, NH, OR, VI, VT, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2150363
NMLS#: 2150363
About Carl J. Palmer III
Carl Palmer III was born in Memphis, TN and attended Central High School. He graduated from Vanderbilt University with a Major in Economics; yet did not limit himself in experiences. While in college, Carl was a part of the Spirit Squad, Rugby Team, and even started a collegiate a cappella group which went on to compete in the ICCA competition (yes, the one from Pitch Perfect). He started his professional career in Internal Audit with AutoZone before joining the Wealth Management industry in January 2022. His passion for people fuels his desire to grow in his career and build strong relationships.
Carl III is a serious Grizzlies fan with a passion for music. He has over a decade of experience playing the tenor saxophone and loves jazz improvisation. He has 3 younger brothers, and one daughter named Ivy Snow Palmer. He likes to spend his time meeting new people, joking with friends, and helping his family.
Carl III is a serious Grizzlies fan with a passion for music. He has over a decade of experience playing the tenor saxophone and loves jazz improvisation. He has 3 younger brothers, and one daughter named Ivy Snow Palmer. He likes to spend his time meeting new people, joking with friends, and helping his family.
Contact Lisa Rucker
Contact Madison Wells
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Rucker Wells Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards DisclosuresLink Opens in New Tab
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards DisclosuresLink Opens in New Tab
CRC 6491812 (04/2024)
